Summary
CONBEMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €297,191 and a net result of €52,416. Equity is growing by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 81% of 8094 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
51 d early
2023
41 d early
2022
32 d early
2021
40 d early
2020
40 d early
2019
17 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 36 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 21 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€297,191▲ 12.1%
2024 · €265,212
Net result
€52,416▼ 13.2%
2024 · €60,358
Total assets
€355,685▼ 1.5%
2024 · €361,179
Solvency
83.6%▲ 10.1pp
2024 · 73.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€75,779▲ 18.4%€66,107▼ 12.8%€77,891▲ 17.8%€92,901▲ 19.3%€80,061▼ 13.8%
Net result€47,429within the sector's middle half▲ 22.2%€40,261within the sector's middle half▼ 15.1%€49,850within the sector's middle half▲ 23.8%€60,358within the sector's middle half▲ 21.1%€52,416within the sector's middle half▼ 13.2%
Equity€176,193within the sector's middle half▲ 32.7%€197,032within the sector's middle half▲ 11.8%€231,378within the sector's middle half▲ 17.4%€265,212within the sector's middle half▲ 14.6%€297,191within the sector's middle half▲ 12.1%
Total assets€382,092within the sector's middle half▲ 27.7%€369,035within the sector's middle half▼ 3.4%€355,651within the sector's middle half▼ 3.6%€361,179within the sector's middle half▲ 1.6%€355,685within the sector's middle half▼ 1.5%
Debt€205,899▲ 23.6%€172,004▼ 16.5%€124,273▼ 27.7%€95,967▼ 22.8%€58,495▼ 39.0%
Working capital€177,916above the sector's middle half▲ 13.9%€166,067above the sector's middle half▼ 6.7%€200,455above the sector's middle half▲ 20.7%€237,680above the sector's middle half▲ 18.6%€268,538above the sector's middle half▲ 13.0%
Solvency46.1%within the sector's middle half▲ 1.8pp53.4%within the sector's middle half▲ 7.3pp65.1%within the sector's middle half▲ 11.7pp73.4%within the sector's middle half▲ 8.4pp83.6%above the sector's middle half▲ 10.1pp
Current ratio3.78within the sector's middle half▼ 0.723.54within the sector's middle half▼ 0.244.78above the sector's middle half▲ 1.245.54above the sector's middle half▲ 0.758.46above the sector's middle half▲ 2.92
Return on assets (ROA)12.4%within the sector's middle half▼ 0.6pp10.9%within the sector's middle half▼ 1.5pp14.0%within the sector's middle half▲ 3.1pp16.7%within the sector's middle half▲ 2.7pp14.7%within the sector's middle half▼ 2.0pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €355,685
Fixed assets
€51,135 ▼ 28.1%
Current assets
€304,551 ▲ 5.0%
Equity and liabilities €355,685
Equity
€297,191 ▲ 12.1%
Debt
€58,495 ▼ 39.0%
Debt's share of the balance-sheet total falls from 26.6% to 16.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
17.6%▼
2024 · 22.8%
Debt ≤ 1 year
€36,013▼
2024 · €52,368
Debt > 1 year
€21,873▼
2024 · €42,998
Income taxes
€25,644▼
2024 · €29,609
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €8,000 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €24,237 | €32,917 | €35,402 | €35,887 | €36,133 | ▲ 0.7% |
| Other operating charges640/8 | €1,549 | €1,602 | €1,754 | €1,830 | €1,885 | ▲ 3.0% |
| Gross operating margin9900 | €101,564 | €100,627 | €115,047 | €130,618 | €118,080 | ▼ 9.6% |
| Operating profit (loss)9901 | €75,779 | €66,107 | €77,891 | €92,901 | €80,061 | ▼ 13.8% |
| Financial charges65/66B | €5,170 | €4,670 | €3,758 | €2,933 | €2,001 | ▼ 31.8% |
| Recurring financial charges65 | €5,170 | €4,670 | €3,758 | €2,933 | €2,001 | ▼ 31.8% |
| Profit (loss) for the period before taxes9903 | €70,609 | €61,437 | €74,133 | €89,968 | €78,060 | ▼ 13.2% |
| Income taxes67/77 | €23,180 | €21,176 | €24,282 | €29,609 | €25,644 | ▼ 13.4% |
| Profit (loss) for the period9904 | €47,429 | €40,261 | €49,850 | €60,358 | €52,416 | ▼ 13.2% |
| Profit (loss) for the period to be appropriated9905 | €47,429 | €40,261 | €49,850 | €60,358 | €52,416 | ▼ 13.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €382,092 | €369,035 | €355,651 | €361,179 | €355,685 | ▼ 1.5% |
| Fixed assets21/28 | €140,251 | €137,620 | €102,218 | €71,132 | €51,135 | ▼ 28.1% |
| Tangible fixed assets22/27 | €140,251 | €137,620 | €102,218 | €71,132 | €51,135 | ▼ 28.1% |
| Land and buildings22 | €78,125 | €63,004 | €47,883 | €32,762 | €17,641 | ▼ 46.2% |
| Plant, machinery and equipment23 | €3,272 | €28,965 | €21,888 | €19,125 | €27,453 | ▲ 43.5% |
| Furniture and vehicles24 | €58,854 | €45,651 | €32,447 | €19,244 | €6,041 | ▼ 68.6% |
| Current assets29/58 | €241,841 | €231,415 | €253,433 | €290,048 | €304,551 | ▲ 5.0% |
| Amounts receivable within one year40/41 | €27,713 | €40,513 | €42,341 | €50,474 | €38,421 | ▼ 23.9% |
| Trade receivables40 | €908 | €17,001 | €16,396 | €21,163 | €4,828 | ▼ 77.2% |
| Other amounts receivable41 | €26,805 | €23,512 | €25,945 | €29,311 | €33,593 | ▲ 14.6% |
| Current investments50/53 | €135,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Cash at bank and in hand54/58 | €75,433 | €36,553 | €56,979 | €85,525 | €111,302 | ▲ 30.1% |
| Deferred charges and accrued income490/1 | €3,696 | €4,350 | €4,113 | €4,049 | €4,828 | ▲ 19.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €382,092 | €369,035 | €355,651 | €361,179 | €355,685 | ▼ 1.5% |
| Equity10/15 | €176,193 | €197,032 | €231,378 | €265,212 | €297,191 | ▲ 12.1% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €169,993 | €190,832 | €225,178 | €259,012 | €290,991 | ▲ 12.3% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €168,133 | €188,972 | €223,318 | €257,152 | €289,131 | ▲ 12.4% |
| Amounts payable17/49 | €205,899 | €172,004 | €124,273 | €95,967 | €58,495 | ▼ 39.0% |
| Amounts payable after more than one year17 | €141,183 | €106,655 | €71,295 | €42,998 | €21,873 | ▼ 49.1% |
| Financial debts170/4 | €141,183 | €106,655 | €71,295 | €42,998 | €21,873 | ▼ 49.1% |
| Amounts payable within one year42/48 | €63,925 | €65,349 | €52,978 | €52,368 | €36,013 | ▼ 31.2% |
| Current portion of amounts payable after more than one year42 | €33,713 | €34,528 | €35,360 | €28,297 | €21,125 | ▼ 25.3% |
| Trade debts44 | €143 | €2,504 | €876 | €213 | €1,595 | ▲ 650% |
| Suppliers440/4 | €143 | €2,504 | €876 | €213 | €1,595 | ▲ 650% |
| Taxes, remuneration and social security45 | €30,069 | €28,317 | €16,742 | €23,859 | €13,293 | ▼ 44.3% |
| Taxes450/3 | €30,069 | €28,317 | €16,742 | €23,859 | €13,293 | ▼ 44.3% |
| Accrued charges and deferred income492/3 | €791 | - | - | €602 | €609 | ▲ 1.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €47,429 | €40,261 | €49,850 | €60,358 | €52,416 | ▼ 13.2% |
| + Depreciation and write-downs630 | €24,237 | €32,917 | €35,402 | €35,887 | €36,133 | ▲ 0.7% |
| Operating cash flow (approximation) | €71,666 | €73,179 | €85,252 | €96,245 | €88,549 | ▼ 8.0% |
| Investment in fixed assets (approximation) | - | -€30,286 | €0 | -€4,800 | -€16,137 | ▼ 236% |
| Change in cash | - | -€38,880 | €20,426 | €28,546 | €25,776 | ▼ 9.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €60,358 ▲21.1%
Operating result €92,901, net result €60,358, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200,000Eq €231,378 ▲17.4%
6 profitable years in a row build equity to €231,378.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150,000Eq €176,193 ▲32.7%
4 profitable years in a row build equity to €176,193.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €100,000Eq €132,738 ▲41.3%
3 profitable years in a row build equity to €132,738.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €20,437 ▼22.9%
Net result drops to €20,437, the lowest in the series; recovery starts the following year.
Show earlier events
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Geel · 1 establishment unit since 2012
Ground area
1,569 m²
Building footprint
198 m²
Volume, LiDAR
1,275 m³
Parcel 13008H1147/00D000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CONBEMA
since 20122.207.886.680
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13008H1147/00D000 | Flanders | 1,569 m² | 1 · 198 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
549300COBKYYFEHDIF36
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,777 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded14-03-2012
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
46140Agents in the wholesale of industrial machinery, ships and aircraft
E-invoicing
Reachable via Peppol
Peppol ID
0208:0844426471
Also
9925:BE0844426471
Registered
07-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.